Commercial debt collection is the recovery of debts owed between businesses. It operates in a fundamentally different legal and commercial environment than consumer debt collection.
Consumer collection is heavily regulated (FDCPA in the US, Consumer Credit Act in the UK) with restrictions on contact frequency, hours, and methods. Commercial collection operates under business law with fewer restrictions and stronger enforcement tools. The debtor is a sophisticated commercial entity, not a vulnerable individual.
Fast-track payment orders (Mahnverfahren, monitorio, IOS, injonction de payer, EPU). Credit bureau reporting to commercial databases (Schufa, Creditreform, Dun & Bradstreet). Statutory demands creating presumption of insolvency. Winding-up petitions. Pre-judgment asset freezing (saisie conservatoire, embargo preventivo, EAPO).
Contingency-based: 15-25% for amicable recovery, 25-35% for litigated claims. No recovery, no fee. This model aligns agency and creditor incentives perfectly.
60-90 days past due. Recovery probability drops 8-12% per month of delay. At 12 months, you recover less than half of what you would at 90 days. The cost of agency commission is always less than the cost of a write-off.
Our debt recovery agency with over 21 years of experience provides: Business to Business Collections Services, Legal Debt Collections and worldwide Skip Tracing services.
